| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SVCS | 750 WARRENEVILLE RD STE 400 LISLE, IL 60532 | BLUECROSS BLUESHIELD OF ILLINOIS | $49K | — | $49K | 3.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SVCS INC | 750 WARRENVILLE RD STE 400 LISLE, IL 60532 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $13K | 10.84% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF RD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $848 | $98 | $946 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFITS SVCS | 4933 LINCOLN AVE LISLE, IL 60532 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 9.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CONNOR & GALLAGHER BENEFIT SVCS INC | 750 WARRENVILLE RD SUITE 400 LISLE, IL 60532 | EYE MED VISION PLAN | $1K | — | $1K | 9.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 217 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $68K |
| Vision | EYE MED VISION PLAN | 175 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $116K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $116K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $116K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.